Nationwide Flexplus

Polly05

Hi. 
I'm considering opening a flexplus account, basically just for the breakdown cover and the added bonus of mobile phone insurance. 
Does anyone have any experience of using these features? 
There aren't any rules about keeping a certain amount of money in the account or having DDs, is there? I can basically just keep enough in it to pay the £13?
Thanks! 

kaMelo

Polly05 said:

Hi. 
I'm considering opening a flexplus account, basically just for the breakdown cover and the added bonus of mobile phone insurance. 
Does anyone have any experience of using these features? 
There aren't any rules about keeping a certain amount of money in the account or having DDs, is there? I can basically just keep enough in it to pay the £13?
Thanks! 

Essentially yes.
Since they stopped paying interest on the account there is no reason to pay anything more into it.
As to using the features, never claimed on breakdown or travel cover but have used the mobile cover a couple of times without a problem.

jimjames

I've used breakdown cover a few times including in France, been excellent service. Mobile cover I've used twice, very slow, convoluted service but they did replace phone in the end.

I have no payments into the account other than the £13 fee and no problems.

RN61

Have had this for few years and HIGHLY RECOMMENDED. I've used breakdown service a few times, all great except most recent one when recovery took ages because I was in the middle of nowhere, then the local contractor assigned messed my car up a bit. Complaint speedily and gladly resolved, £2k paid to me without the repair work even being done (due to Covid shutdown). Have also claimed on mobile phone insurance which has lower excess than most others and was overall pretty good, especially for new or newer phones. Older ones seem to get whatever is cheapest replacement from one of the dealers. Travel insurance also good service, used that once. 

Penelopa.Pitstop

I only keep £50 in account, since it doesn't pay interest any more. Over the years, I used: travel insurance, mobile insurance, breakdwon cover. I still keep it alive, even though I don't travel and my phones are cheap.

Brie

I've used a packaged bank account for the annual travel insurance (never needed to claim) and RAC (which has def made this worthwhile).  The only problem with it is that as only my name was on the policy while the travel insurance was fine, RAC was not.  If it was the other half that was driving and had run into problems RAC wouldn't attend as I was not there.  Sometimes this could be got round by some bright spark at RAC saying "do I understand that the account holder was there but has gone across the street for coffee?" or similar.  The solution in the end though was to have both our names on the account and RAC will happily talk to either of us.

One other minor issue was when our vehicle broke down in Germany the only option was a German (obviously) mechanic.  No problems with this but he didn't speak English and our German doesn't run to things mechanical.  But it was very reassuring that we could deal with this so far from home with relatively little stress.  I expect the same thing could happen in any foreign country!

jimjames

One thing I should have added is that if you're looking to use the insurances and have a partner then it's worth having a joint account as you get double coverage for no extra cost. With 2 of you then you are both covered for breakdowns, if only one person on account then it's either one vehicle or one you travel in.

Space_Captain

I was wondering if I should keep my FlexPlus account but after looking around at the weekend I think it is still good value for money despite the fact I am not going on holiday this year so the travel insurance isn't needed. The RAC cover is good. I used to pay for this with ClubCard vouchers but am happy getting it via Nationwide.

melb

just something to note with the travel insurance once someone in the family is over 70 you have to pay £70 per year to cover them

Rich2808

melb said:

just something to note with the travel insurance once someone in the family is over 70 you have to pay £70 per year to cover them

The Co-op account offers cover up to age 80 and Virgin up to 75 if that is an issue - albeit they cost a bit more and the other benefits may vary.

pollypenny

melb said:

just something to note with the travel insurance once someone in the family is over 70 you have to pay £70 per year to cover them

  If a couple holding a joint account are both over 70 there's only one charge.